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建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

上海普陀建发海阅首府售楼处电话：400-9939-964...

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

The Central area is already home to a large number of high-quality residences, and C&D is known for its products. Therefore, they were full of expectations for the project from the very beginning of the land acquisition.

中环沿线本来就高品质住宅云集，建发又是以产品见长，所以在拿地之初就对项目充满期待。

But when the real scene was presented, C&D Haiyue Shoufu still far exceeded my expectations!

但当实景呈现，建发·海阅首府还是大大超出了我的预期！

And two points are very rare:

而且2点很难得：

First, the TV drama "Flowers in Full Bloom" became a huge hit, which sparked more people's attention and yearning for the Shanghai-style culture.

第一、电视剧《繁花》爆火，激发了更多人对海派文化的关注和向往。

C&d can keenly capture market hotspots, adapt to customers' aesthetic preferences, abandon the new Chinese style, and boldly innovate the classic Shanghai-style luxury home with meticulous craftsmanship. It is undoubtedly at the forefront of The Times!

建发能敏锐捕捉市场热点，顺应客户审美，舍弃新中式，大胆创新精工矩制经典海派奢宅，俨然走在了时代的前沿！

Secondly, Shanghai-style architecture and culture showcase the essence and style of the city of Shanghai.

第二、海派建筑与文化，展现着上海这座城市的底蕴和腔调。

Jianfa integrates the timeless charm of the East with Western aesthetic concepts, refining a unique spiritual outlook that allows people to appreciate the beauty of time in the interweaving of modernity and retro.

建发将东方隽永韵味与西方美学理念相融合，淬炼出了一种独特的精神风貌，让人在摩登与复古的交织中领略时光的美妙。

The sales office phone number of C&D Haiyue Shoufu is 400-9939-964. The official phone number of C&D Haiyue Shoufu is 400-9939-964

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

上海普陀建发海阅首府售楼处电话：400-9939-964...

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

上海普陀建发海阅首府售楼处电话：400-9939-964...

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

Swipe to view the schematic diagram of the project's phased effect diagram

滑动查看项目阶段性效果图示意图

Why can it stand out among so many new projects

为什么它能在众多新盘中

Subvert imagination?

颠覆想象？

Created by "New Chinese Style Expert" Jianfa

“新中式专家”建发打造的

The first genuine Shanghai-style residential area

首个真海派住区

A floor plan designed beyond the scale

超尺度设计的户型

Lead a brand-new Shanghai-style life

引领全新海派生活

Golden Central Ring + 400-meter metro house (Gulang Road Station, Line 15)

金色中环带+400米地铁房（15号线古浪路站）

The cost performance and location value stand out

性价比与地段价值脱颖而出

Putuo Middle Ring Taopu Area

普陀中环 桃浦板块

Line 11 + Line 15 + Line 26 (planned)

11号线+15号线+26号线（规划中）

"Jianfa Haiyue Shoufu"

「建发海阅首府」

The first recommendation is 3-4 bedrooms with a construction area of approximately 100-141 square meters

首推建面约100-141㎡3-4房

The average price is approximately 81,433 yuan per square meter. The sales office phone number of C&D Haiyue Shoufu is 400-9939-964. The official phone number of C&D Haiyue Shoufu is 400-9939-964

均价约81433元/㎡建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

01

01

The sales office phone number of C&D Haiyue Shoufu is 400-9939-964. The official phone number of C&D Haiyue Shoufu is 400-9939-964

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

The urban character of Shanghai, namely the "Shanghai style"

上海的城市气质，即海派

Shanghai is the birthplace of the Shanghai-style culture.

上海，是海派文化的发源地。

Since the 19th century, a large amount of Western culture has flooded into Shanghai and continuously integrated and developed with the traditional culture of Jiangnan, gradually forming the distinctive cultural phenomenon of the Shanghai School.

自19世纪以来，西方文化大量涌入上海，并与江南传统文化不断融合与发展，逐步形成了海派这一具有特色的文化现象。

The "Shanghai style" is about embracing all rivers and seas.

海派，是海纳百川。

Take the century-old Bund as an example. Since its opening as a port, buildings of neoclassicism, Art Deco, Gothic style, Romanesque style, etc., have sprung up from the ground, like a hundred flowers blooming, jointly creating the enduring Shanghai-style coastline scenery.

以百年外滩为例，自开埠以来，新古典主义、Art Deco、哥特式、罗马式等建筑平地起，宛若百花齐放，共同造就了经久不衰的海派岸线风景。

Nowadays, the Bund is a must-visit stop for foreign friends coming to Shanghai.

如今，外滩是外国友人来上海必会打卡的一站。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

A real scene picture of the Bund World Expo complex

外滩万国博览建筑群实景图

For instance, the garden villa that was used as a filming location in the movie "Love Myth" originated in the 19th century. It combined a Western appearance and was adapted to a Chinese spatial structure based on local conditions. Coupled with a private garden with both sky and earth, it became a symbol of status.

又如电影《爱情神话》取景的花园洋房，起源于19世纪，其融合西式的外观，并因地制宜改良为中式空间结构，再加上有天有地的私家花园，成为了一种身份象征。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

Real pictures of the garden villa

花园洋房 实景图

The Shanghai style is even more in line with The Times.

海派，更是与时俱进。

In the 1920s and 1930s, whenever there was a trend internationally, there would be waves in Shanghai.

20世纪二三十年代，国际上刮什么风，上海就起什么浪；

After the reform and opening up, in the turbulence of the integration of world cultures, the Shanghai-style culture was full of opportunities and shone with unique brilliance.

改革开放后，在世界文化交融的激荡中，海派文化充满机遇，绽放独特光彩。

Recently, the hit TV drama "Flowers in Full Bloom" has depicted the stories of many characters striving hard in Shanghai. It is not only a series depicting the fates of the characters, but also a vivid portrayal of the changes of The Times.

前段时间，热映的电视剧《繁花》展现了众多角色在上海奋力拼搏的故事，不仅是一部描绘人物命运的剧集，更是时代变迁的生动写照。

The inclusiveness of the sea and the keeping pace with The Times are precisely because these two characteristics interact with each other, which determines the complexity and variability of the Shanghai style, making it more charming and in perfect harmony with the temperament of the city of Shanghai.

海纳百川、与时俱进，正是由于这两个特征处于互动之中，决定了海派的复杂多变，使其更具魅力，也与上海这座城市的气质不谋而合。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

Real pictures of the international hotel

国际饭店 实景图

Returning to the real estate market, Shanghai has always been a leading city in China's real estate market: in the first half of the year, the sales of luxury homes and new houses in Shanghai exceeded 100 billion yuan, with some projects setting new national records.

回到楼市，上海始终是中国房地产市场瞩目的头部都市：上半年上海豪宅新房销额突破千亿，有盘刷新全国纪录；

The land auction saw the highest bidder win, and the premium rate exceeded 20%, reaching a three-year high, causing a stir for a while.

土拍重回价高者得后溢价率突破20%，创三年新高，一时间风起云涌。

At present, any real estate developer that wants to make a name for itself in Shanghai must be as inclusive as the Shanghai school, keep pace with The Times and constantly strive for innovation, so as to gain a say in the market.

当下，任何一个房企想要在上海争一口气，也要与海派相同，海纳百川、与时俱进，不断力求创新，以此赢得市场话语权。

In Shanghai, C&D has a history of over two decades of in-depth development and has continuously contributed classic masterpieces of "new Chinese style".

在上海，建发已经有超二十年的深耕历史，并不断贡献出经典的“新中式”佳作。

Over the past two years, C&D's land investment in Shanghai has continuously exceeded 10 billion yuan, which fully demonstrates C&D's determination to deeply cultivate the market in Shanghai.

过去两年，建发在上海的土地投资金额连续超过百亿，足见建发深耕上海的决心。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

Schematic diagram

示意图

C&d's challenge to the Shanghai style in the Middle Ring of Shanghai this time is not only a manifestation of coexistence with The Times and the city, but also a deep affection and tribute to Shanghai. More importantly, it has sufficient heritage and confidence to create a unique Shanghai style that belongs to C&D.

建发，此次在上海中环挑战海派，既是与时代、城市共生的体现，又是对上海的深情厚意与致敬，更重要的是，其拥有足够的底蕴与自信，去打造出属于建发的独特海派风格。

The sales office phone number of C&D Haiyue Shoufu is 400-9939-964. The official phone number of C&D Haiyue Shoufu is 400-9939-964

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

02

02

Haiyue Capital

海阅首府

A comprehensive and genuine Shanghai-style residential area

一部全方位的真海派住区

In the past two years, many developers in Shanghai have been competing in the so-called "Shanghai style".

近两年，不少上海开发商都在“卷”所谓的海派。

After reading the project, I think Haiyue Shoufu deserves to be called a truly all-round Shanghai-style residential area.

在阅读项目之后，我认为海阅首府，值得称之为一部全方位的真海派住区。

Next, follow our perspective and explore its beauty together ↓

接下来，跟随我们的视野，一起探寻它的美好↓

The first sight is stunning

第一眼即惊艳

The signboard of Haiyue Capital is already a stunning sight at first sight.

海阅首府的门头，第一眼已是惊艳。

I believe your immediate impression must be the overwhelming Shanghai style that immediately reminds you of the Bund World Expo complex.

相信你的直观感受，一定是扑面而来的海派风情，让你立马就能联想到外滩万国博览建筑群。

With a ceiling height of approximately 10 meters, it is crafted with a stone and glass dome. Its overall form is similar to that of the HSBC building.

约10米挑高，以石材+玻璃穹顶打造，其整体形制，与汇丰银行大楼有着异曲同工之妙；

The decorative and column effects can't help but remind people of the Shanghai Customs Building, which is quite contemporary and has a unique charm.

装饰与立柱效果，又让人不禁想到上海海关大楼，颇具时代感与独特气质。

The sales office phone number of C&D Haiyue Shoufu is 400-9939-964. The official phone number of C&D Haiyue Shoufu is 400-9939-964

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

上海普陀建发海阅首府售楼处电话：400-9939-964...

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

Schematic diagram of the phased effect of the project

项目阶段性效果图示意图

Luxurious public areas are heavily decorated

奢华公区 重金点缀

After entering the main entrance, there is a luxury hotel-style drop-off area.

进入正门后是奢华酒店式落客区。

Looking up, the distinctive colored glass dome seems to have transported one back to old Shanghai. This is clearly a tribute to the representative glass dome of the Peace Hotel on the Bund.

抬头看，颇具标志性的彩色玻璃穹顶，仿佛穿越回了老上海，这显然是对外滩和平饭店代表性的玻璃穹顶的致敬。

项目阶段性效果图示意图

对标半岛酒店的豪华落客仪式，旨在为业主们营造出五星级酒店般的归家体验，流露出尊贵与豪华的同时，让业主在归家的瞬间便能感受到家的格调。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

上海普陀建发海阅首府售楼处电话：400-9939-964...

项目阶段性效果图示意图

继续向里走，廊道内可见经典的石材立柱、拱形的吊顶、PRADA荣宅的手绘彩玻、繁花的地面拼花等用材工艺，移步异景间，是别样的摩登魅力。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

Schematic diagram of the phased effect of the project

项目阶段性效果图示意图

Everywhere the eyes can see, various exquisitely crafted techniques and materials reveal the craftsmanship that spares no expense and embraces diversity.

目光所及之处，各种精雕细琢的工艺、用材，则见不惜成本、兼容并蓄的匠艺。

The Brazilian gold stone of the same style as that of the Regent Shanghai Seagull Hotel, the Bolivian blue stone with a relatively small stock, and the filigree enamel craftsmanship of Huashan Apartment, while showcasing the Shanghai style, also highlight the luxurious texture.

上海海鸥丽晶酒店同款的巴西金石材、储存量较少的玻利维亚蓝石材、华山公寓的掐丝珐琅工艺，在展现海派风情的同时，彰显奢华的质感。

项目阶段性效果图示意图

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

Entering the courtyard, the living room, the corridor and the courtyard, all progress from the outside in, like a meticulously designed journey, all part of the daily routine on the owner's way home.

进庭、进堂、进廊、进院，由外而内递进，都像是精心设计的旅程，皆为业主归家之路上的日常。

With two axes and ten gardens, every step offers a beautiful view

两轴十园 移步皆风景

If you continue to explore further, you will find that Haiyue Shoufu ingeniously combines the garden-making concepts of both the East and the West, creating an exquisite layout of "two axes and ten gardens", with beautiful scenery every step you take.

继续向里探寻，会发现海阅首府巧妙地融合了中西方的造园理念，构建出“两轴、十园”的精致布局，举步之间皆风景。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

Schematic diagram of the phased landscape themes of C&D Haiyue Shoufu

建发海阅首府阶段性景观主题示意图

The landscape shown in the following picture was inspired by the Cupid's Garden created by Laszlo Hudec in Shanghai.

下图这方景观，灵感源于邬达克在上海打造的爱神花园。

The flower bed in the center vividly recreates the first fountain of the Cupid's Garden, "Pussure", and the beautiful and romantic love story from a hundred years ago seems to be replayed once again.

中心的花池生动地复现了爱神花园的第一喷泉“普绪赫”，百年前唯美浪漫的爱情故事仿佛再次重演。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

Schematic diagram of the phased effect of the project

项目阶段性效果图示意图

There are as many as ten such unique scenes in the entire Haiyue Capital.

如此别开生面的景致，在整个海阅首府内，足足有十处场景。

It includes the Time Garden, which draws inspiration from the garden of Mahler's Villa, the Lanxin Square of the Lanxin Grand Theatre, and the Liuguang Garden, which features the "Lalik Corridor" of the Peace Hotel...

包含汲取马勒别墅园林的时光园、兰心大戏院的兰心坊、和平饭店“拉利克廊”的琉光园……

All of this is condensed within this community, becoming a private sight that the residents enjoy when they return home or during their leisure time.

全部凝聚在这座社区内，成为了业主归家时、闲暇时分私享的风景。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

Schematic diagram of the phased effect of the project

项目阶段性效果图示意图

The vivid classic scenes of Shanghai style extend from the outdoor garden landscapes to the indoor public areas.

生动的海派经典场景，还从室外的园林景观延伸到了室内的公区。

For instance, the elevated floor, which encompasses multiple Spaces such as fitness, reading, and banquets, enables the homeowners to enjoy modern functions without leaving home while experiencing the elegance of the Shanghai style.

比如涵盖健身、阅读、宴请等多重空间的架空层，能让业主足不出户享受现代功能的同时，感受海派的优雅萦绕。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

Schematic diagram of the phased effect of the project

项目阶段性效果图示意图

The building facade is both form and spirit

建筑立面 形神兼备

Passing through one romantic garden after another, you will encounter your future residence.

穿越一座座浪漫的花园，迎来与未来居所的邂逅。

When appreciating a single building, one can look from the overall perspective to the local details, and finally to the whole that combines form and spirit.

欣赏一幢单体建筑，可以从整体看向局部细节，最后再看向形神兼备的整体。

A first look at the three-section classic architectural facade of Haiyue Capital reveals a strong Shanghai style that is truly astonishing. Modern craftsmanship and materials are solidly and harmoniously integrated.

初览海阅首府三段式经典建筑立面，其浓郁的海派风情令人震撼，现代工艺与材料扎实而和谐相融。

The base part is made of high-quality materials such as stone, aluminum plates and stainless steel. The main facade is framed by vertical lines and combined with aluminum plates, presenting a dignified, grand, elegant and exquisite beauty.

基座部分采用石材及铝板、不锈钢等高品质材料，主体立面以竖向线条为框架，搭配铝板，展现出端庄大气、典雅精致之美。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

Schematic diagram of the phased effect of the project

项目阶段性效果图示意图

A closer look reveals its meticulous decorative embellishments.

深入观察，则可见其细致入微的装饰点缀。

The top of the building adopts the shape of a classical opera house as the center, supplemented by the decoration of magnolia flower crowns.

建筑顶部，采用了古典歌剧院造型作为中心，辅以白玉兰花冠装饰。

This design not only reminds people of the magnolia, the city flower of Shanghai, but also echoes the lotus crown of the Bund Center, a landmark of Shanghai.

这一设计不仅令人联想到上海市花白玉兰，亦与上海地标外滩中心的莲花顶冠相呼应。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

上海普陀建发海阅首府售楼处电话：400-9939-964...

项目阶段性效果图示意图

建筑顶部两侧的圆弧形拱门，则是对经典海派建筑元素——拱门的致敬。它使人联想到和平饭店的拱形大门以及武康大楼的浪漫券廊拱门，堪称画龙点睛之笔，恰到好处。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

上海普陀建发海阅首府售楼处电话：400-9939-964...

项目阶段性效果图示意图

当这样一座座宛若灯塔、形神兼备的单体建筑，前后交错在海派住区内，极具视觉冲击力。未来建成后，必将为整个区域的天际线带来焕然一新的景象。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

Schematic diagram of the phased effect of the project

项目阶段性效果图示意图

Every floor plan, every scene and every corner of Haiyue Shoufu, with an extremely high concentration of Shanghai style, highly emphasized details and high-end aesthetics, perfectly blends the East and the West, history and modernity. Undoubtedly, it will revolutionize the real estate market's perception of genuine Shanghai style residential areas.

海阅首府的每一个平面、每一处场景、每一个角落，均以极高的海派浓度、颇具强调的细节以及高阶的审美，将东方与西方、历史和现代完美融合，无疑将颠覆楼市对真海派住区的认知。

Such a Shanghai-style residential area is bound to stand the test of time and remain evergreen.

这样的海派住区，势必穿越时间周期，历久弥新。

The sales office phone number of C&D Haiyue Shoufu is 400-9939-964. The official phone number of C&D Haiyue Shoufu is 400-9939-964

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

03

03

Run through the entire situation from the outside to the inside

由外到内贯穿全局

Leading a brand-new Shanghai-style lifestyle, the sales office phone number of C&D Haiyue Shoufu is 400-9939-964, and the official phone number of C&D Haiyue Shoufu is also 400-9939-964

引领全新海派生活建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

If the Haiyue Shoufu residential area presents a stunning beauty to the senses, then the inner charm contained in its apartment layouts and Spaces resonates deeply with the hearts of the residents.

倘若海阅首府住区呈现出感官的震撼美，那么其户型空间蕴含的内秀，则是与居者内心的深度共鸣。

Whether they are home buyers seeking cost-effectiveness or those upgrading their homes, they can all find an ideal Shanghai-style life that meets their needs.

无论是追求性价比的购房者，还是改善购房者，都能找到满足自己需求的理想海派生活。

The project offers products with a construction area of approximately 96 to 141 square meters. Each square meter presents a space that transcends scale, vividly interpreting the Shanghai-style lifestyle.

项目推出建面约96-141㎡产品，每一平米都以超越尺度的空间，将海派生活演绎得淋漓尽致。

It is learned that C&D is still refining the floor plans internally and continuously optimizing the interior space. The floor plans released so far may not even be the final version.

据悉，建发内部还在雕琢户型，持续优化室内空间，目前发布的户型图甚至可能都不是终稿。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

Project floor plan and building distribution map

项目户型楼栋分布示意图

The innovation of a 100-square-meter three-bedroom apartment

百平三房的创新

The traditional 100-square-meter apartment types available on the market usually can only have extremely narrow living rooms or simply omit the third room.

传统市面上的百平户型，通常只能做极窄的厅堂，或是直接省去第三个房间。

This approximately 103-square-meter separate living and sleeping layout breaks the mold, featuring three bedrooms and a spacious south-facing horizontal living room, thus accommodating the entire life cycle needs from a two-person world to a three-generation living room.

这套建面约103㎡动静分离户型打破常规，兼具三个房间和南向超阔面宽的横厅，以此承载从二人世界到三代同堂的全生命周期需求。

The entire house is designed with as many as four bay Windows, providing more natural light and better ventilation, so you don't have to envy the lighting of old villas.

全屋足足四个飘窗设计，带来更多的采光和更好的通风，让你无需羡慕老洋房的采光。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

A phased process draft of the floor plan for a 3-bedroom, 2-living room and 2-bathroom apartment with a construction area of approximately 103 square meters

建面约103㎡3房2厅2卫户型图阶段性过程稿

There will be subsequent adjustments. Please pay attention to the latest information

后续有调整，敬请留意最新资料

Another apartment with a construction area of about 100 square meters, also features three bedrooms and two bathrooms. The layout is square and there is almost no corridor design. Every inch of space is not wasted, making it comfortable and not cramped.

另一套建面约100㎡飞机户型，同样做了三房两卫，户型方正，几乎无过道设计，每一寸空间都没有浪费，舒适不局促。

The large-scale north-facing room design can be transformed into various Spaces such as bedrooms, studies, dressing rooms, and children's activity rooms according to needs.

北向大尺度房间设计，可以根据需求打造成卧室、书房、更衣室、儿童活动室等各类场所。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

A phased process draft of the floor plan for a 3-bedroom, 2-living room and 2-bathroom apartment with a construction area of approximately 100 square meters

建面约100㎡3房2厅2卫户型图阶段性过程稿

There will be subsequent adjustments. Please pay attention to the latest information

后续有调整，敬请留意最新资料

The pursuit of higher-level improvement

更高层次的改善追求

Let's take a look at a slightly larger layout - a super spacious four-bedroom unit with a construction area of approximately 127 square meters. It also features a south-facing horizontal living room design and is extended to four bays, providing a spacious and comfortable space.

来看看更大一点的户型——建面约127㎡超阔四房，同样是南向横厅设计，并拉伸至4开间，空间舒阔。

The master bedroom suite is designed with sufficient storage space to create a dedicated runway.

主卧套房设计，也有足够的收纳，打造专属秀场。

The record player plays lazy, magnetic and soft blues. Pour a glass of champagne and savor it slowly. Bask in the sun on the spacious balcony...

“唱片机里放着慵懒、磁性、柔软的蓝调，再倒一杯香槟慢慢的品味，在宽大的阳台上晒着太阳……”

The Shanghai-style life depicted by Eileen Chang's brushstrokes is recreated on the south-facing, super-expanded horizontal hall and balcony.

张爱玲笔触下的海派生活，在南向超扩尺度的横厅与阳台上复现。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

A phased process draft of the floor plan for a 4-bedroom, 2-living room and 2-bathroom apartment with a construction area of approximately 127 square meters

建面约127㎡4房2厅2卫户型图阶段性过程稿

There will be subsequent adjustments. Please pay attention to the latest information

后续有调整，敬请留意最新资料

There is a lack of high-end improvement products, and many improvement-oriented buyers are struggling with having no products to purchase.

高端改善产品缺乏，不少改善型买家都苦于无产品可买。

With a construction area of approximately 141 square meters, it features 4 bedrooms, 2 living rooms and 2 bathrooms. This represents a higher-level improvement beyond the functional use.

建面约141㎡4房2厅2卫，这是一种超越使用功能之上，更高层次的改善。

The sales office phone number of C&D Haiyue Shoufu is 400-9939-964. The official phone number of C&D Haiyue Shoufu is 400-9939-964

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

The ultra-wide horizontal living room design will make this place a luxurious social space. You can enjoy the freedom of chatting and laughing while drinking with friends.

超宽横厅设计，这里会是一场奢阔的社交空间，与好友推杯换盏，依旧谈笑风生的自在；

It can also be a fun place for parents and children, with interaction and games all highlighting its extraordinary grandeur.

也可以是亲子欢乐场，互动、游戏，非凡气度皆凸显无遗。

The master bedroom suite is designed with a 270° L-shaped bay window at the corner, offering an unobstructed view. You can enjoy the panoramic view even while lying in bed.

主卧套房设计，自带270°转角L型飘窗，实现无界视野，躺在床上也能享受环幕赏景。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

A phased process draft of the floor plan for a 4-bedroom, 2-living room and 2-bathroom apartment with a construction area of approximately 141 square meters

建面约141㎡4房2厅2卫户型图阶段性过程稿

There will be subsequent adjustments. Please pay attention to the latest information

后续有调整，敬请留意最新资料

Integrate into modern technology

融入现代科技

It is worth mentioning that Haiyue Capital has ingeniously integrated modern technology, incorporating the "Five Constants" technology system of constant temperature, constant humidity, constant oxygen, constant cleanliness and constant quietness into the project.

值得一提的是，海阅首府精妙地与现代科技相融合，将“恒温、恒湿、恒氧、恒洁、恒静”的五恒科技系统融入项目中。

Achieving high-quality indoor living experiences with low energy consumption through high technology, creating a more comfortable living environment and a healthier lifestyle, can significantly enhance the living experience of property owners.

用高科技实现低能耗下的高品质室内居住体验，营造更舒适的生活环境、更健康的生活方式，能够大大提升业主的居住体验。

The sales office phone number of C&D Haiyue Shoufu is 400-9939-964. The official phone number of C&D Haiyue Shoufu is 400-9939-964

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

上海普陀建发海阅首府售楼处电话：400-9939-964...

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

上海普陀建发海阅首府售楼处电话：400-9939-964...

示意图

甄选高品质物业服务

物业服务，是海派生活必不可少的重要条件。

项目甄选建发物业，其作为国家一级资质物业管理企业，连续多年位列中国物业服务百强企业榜单前列。未来将依托“天天好服务体系”，从四大维度为生活保驾护航。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

上海普陀建发海阅首府售楼处电话：400-9939-964...

物业服务实景图

如此由内到外、与时俱进的产品力，海阅首府着实演绎出了全新的海派生活。待未来示范区、样板间实景呈现时，相信它一定会用实际行动证明：

海阅首府是不负土地、不负未来的划时代海派作品。

04

金色中环+地铁之上的地段价值

海派是海阅首府说服众人的理由，纯正的金色中环双地铁盘、醇熟的周边生活氛围更是锦上添花的存在。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

上海普陀建发海阅首府售楼处电话：400-9939-964...

金色中环带上的意外之喜

看懂城市规划，才能看清未来。

从五角场、金桥、张江、漕河泾、再到海阅首府所在的桃浦，一条中环线逐步构筑起产业发展的蓬勃，并见证着上海每一次城市格局迭代。

随着中环产业势能的不断向上，中环的置业门槛逐步飙升。普陀中环外1宗地块突破10万/㎡，达到10.2万/㎡，长宁、新江湾稳定在10万/㎡+；浦东有盘已破13万+/㎡，纵观这些区域，即使是百平三房小户型的上车门槛已来到千万级。

海阅首府，却是金色中环带上的意外之喜。直线距中环仅约1.4公里，是目前桃浦离中环最近的新房，项目房地联动价仅约7.9万元/㎡，在众多中环板块迈入10万/㎡大关的当下，拥有2万元/㎡实打实的价格差，性价比和潜力明显！

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

上海普陀建发海阅首府售楼处电话：400-9939-964...

示意图

更重要的是，金色中环的势能已然迈向了广袤的桃浦。约437万方的桃浦智创城，商办体量超过前滩，是上海新兴崛起的转型发展示范区。

先行生态和产业已逐步落地，约2.5公里祁连山路创新产业发展带正在着力建设，一系列地标拔地而起。海阅首府未来自然会承接产业集群的辐射红利！

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

上海普陀建发海阅首府售楼处电话：400-9939-964...

效果图

15号线400米 周边生活氛围可圈可点

看未来，桃浦智创城的预期跃然纸上；看当下，项目所在的桃浦日趋醇熟。

首要的是，项目直线距15号线古浪路站仅约400米、祁安路站约500米，是实打实的正地铁房，也是众多桃浦新房中，离地铁站最近的新房项目！

业主搭乘15号线，上车便能快速直达想去的地方。三站内即可换乘11/14号线，能直连真如、静安寺、环球港商圈、古北、徐家汇等各大城市CBD，以及桃浦智创城，漕河泾、紫竹等5大智创中心，非常迅捷。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

Position schematic diagram

位置示意图

(The above picture has been simplified and is not in proportion. All the information in the picture is for reference only.)

（上图经简化处理及不按比例，图中一切资料仅供参考）

In terms of business, the Taopu Bay in the TOP Zhichuang A plot has opened. There are also high-quality commercial facilities such as Taopu Xingpinhui and Baili Life Plaza. Additionally, you can reach the Daning, Zhenru, and Changfeng business districts, providing a multi-dimensional shopping experience.

商业方面，TOP智创A地块的桃浦湾已开业，还有桃浦星品荟、白丽生活广场等品质商业，另可前往大宁、真如、长风商圈，带来多维的购物体验。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

Real scene picture

实景图

In terms of medical care, Deji Hospital, Tianyou Hospital and others are all within approximately 3 kilometers of the project.

医疗方面，德济医院、天佑医院等都在项目周边约3公里范围内；

The Guohua Life Insurance Shanghai Putuo Health and Wellness Center, which integrates health care, elderly care and medical treatment, has been completed, providing comprehensive protection for health.

“康、养、医”一体化的国华人寿上海普陀康养中心已竣工，为健康保驾护航。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

The renderings of Guohua Life Insurance Shanghai Putuo Health Care Center

国华人寿上海普陀康养中心 效果图

In terms of education, the section features educational resources such as Shanghai International Studies University Affiliated Putuo Experimental School (public), Children's World Foundation Putuo Kindergarten (public), Wenda School (public), and Thomas Experimental School (private).

教育方面，板块内有上外附属普陀实验学校（公办）、儿童世界基金会普陀幼儿园（公办）、文达学校（公办）、托马斯实验学校（民办）等教育资源。

* Disclaimer: Pre-sale houses are not divided into school districts. The introduction of educational resources such as schools around the project is only for providing relevant information reference.

*免责声明：预售房屋不划分学区，项目周边学校等教育资源的介绍仅为提供相关信息参考。

The Taopu Central Green Space, which is about 1.5 kilometers away from the project in a straight line, has seen its first phase of approximately 500,000 square meters take shape and open to the public.

直线距项目约1.5公里的桃浦中央绿地，首期约50万方已成型并开放。

Viewed from the air, the air of a world-class central park greets you.

从空中俯瞰，世界级中央公园的气质扑面而来。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

Aerial real scene photo

航拍实景图

The Putuo Ice Sports Center in the green underground space hides more ways to play!

绿地地下空间的普陀冰上运动中心，隐藏着更多玩法！

It has a standard real ice rink of about 5,000 square meters, as well as a swimming pool, basketball court, fencing hall, skate park, balance bike, dance studio, gym and other professional sports facilities.

其拥有约5000㎡的标准真冰场，还有游泳馆、篮球馆、击剑馆、滑板公园、平衡车、舞蹈室、健身房、等专业运动场所一应俱全。

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

Shanghai Putuo Jianfa Haiyue Shoufu Sales Office Tel: 400-9939-964...

上海普陀建发海阅首府售楼处电话：400-9939-964...

Real scene picture

实景图

On the golden Central Ring, the debut of Haiyue Shoufu shows us that C&D is committed to expressing itself on the path of innovation and brings this city a new work of true Shanghai style from the inside out.

在金色中环之上，海阅首府的登场，让我们看到建发坚持在创新之路上表达自我，并为这座城市带来一部由内而外的真海派新作。

In today's real estate market, real estate developers that are so inclusive and keep pace with The Times are more trustworthy.

在当今楼市，如此海纳百川、与时俱进的房企更值得信赖。

The sales office phone number of C&D Haiyue Shoufu is 400-9939-964. The official phone number of C&D Haiyue Shoufu is 400-9939-964

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

上海普陀建发海阅首府售楼处电话：400-9939-964...

建发海阅首府售楼处电话：400-9939-964建发海阅首府官方电话：400-9939-964

上海普陀建发海阅首府售楼处电话：400-9939-964...

信贷业务作为贷款行业中的一种，在中国出现的时间不长，但近几年发展迅猛，也越来越有成为主流的趋势，参与到信贷这个行业的新人也越来越多。而作为信贷行业中的新人，可能对信贷还没有具体的了解，本文会介绍一些信贷的基础知识以及信贷的操作流程，帮助大家能更了解信贷这个行业。

一、信贷

(一)含义

信贷有广义和狭义之分。广义的信贷指一切以实现承诺为条件的价值运动形式，包括存款、贷款、担保、承兑、贴现等活动。狭义的信贷专指银行的信用业务活动，包括银行与客户往来发生的存款业务和贷款业务。

(二)基本特征

1、偿还性:存款有存有取，贷款有借有还且均需支付一定的利息，这是信贷的重要特征。

2、周转性:任何存贷款都是不断周转的，如果存款存取中断，贷款收放中断，信贷也就中断

3、融通性:存款存存取取，贷款收收放放信贷通过存贷过程对社会资金在时间和空间上灵活调计，在各经济单位间相互融通。

4、效益性:以取得利息收入为目的。

二、信贷业务

(一)含义

信贷业务是商业银行最重要的资产业务，通过放款收回本金和利息，扣除成本后获得利润，所以信贷是商业银行的主要赢利手段。

银行利用自身实力或信誉为客户提供资金融通，并以客户支付融通资金的利息、费用和偿还本金或最终承担债务为条件，对客户提供的各类信用的总称，包括贷款、贴现、承兑、信用证、担保等或有资产业务。即银行信贷是银行筹集债务资金、借出资金或者提供信用支持的经济活动。

(二)种类

1、按用信对象可以分为法人客户（对公客户）类信贷业务和自然人客户 （个人客户）类信贷业务。

2、按期限可分为短期信贷业务，期限在1年以内(含1年)、中期信贷业务，期限在1年至5年之间(含5年)和长期信贷业务和长期信贷业务，期限在5年以上。(要根据借款人收入状况、经营周期、还款方式核定贷款的期限来判定)

3、按是否提供担保可分为信用方式办理的信贷业务和担保方式办理的信贷业务，担保方式包括保证、抵押和质押三种。

(1)信用贷款:基于借款人的信用发放的贷款

(2)保证贷款:保证人为履行借款合同项下的债务向银行提供担保，在借款人不履行债务时，保证人承担连带担保责任。

(注)不能作为保证人的有:

①国家机关、学校、幼儿园、医院等以公益为

目的的事业单位和社会团体。

②企业法人的分支机构、职能部门，但企业法人的分专机构由法人书面授权的。可在授权范围内提供保证。

(3)抵押贷款:抵押人不转移对其所拥有所有权、处分权的财产的占有，以该财产作为抵押物向银行提供担保，当借款人不履行债务时，银行以抵押物折价、拍卖、变卖所得款项优先受偿。

(注)不能作为抵押物的有:

①土地所有权。

②耕地、宅基地、自留地等集体所有的土地使用权。

学校、幼儿园、医院等以公益为目的的事业单位、社会团体的教育设施、医疗卫生设施和其他社会公益设施。

③所有权、使用权不明或有争议的财产。

④依法被查封、扣押、监管的财产。

(4)质押贷款-出质人将其拥保存整页为图片>利移交银行占有，当借款人不履行债务时，银行有权按照质押合同的约定以质押物折价、拍卖、变卖所得价款优先受偿。

常见的可以质押的有:汇票、存款单、仓单、提货单、股权、应收帐款等。

注意事项:

①抵押及质押要按规定办理抵押及质押手续，没有办理登记手续的，银行的债权得不到优先受偿。

②在办理抵押或质押时要注意的三个问题:抵质押物产权是否清晰、是否足值、是否易于变现。

③质押分为动产质押与权利质押。动产质押与抵押的不同在于对财产是否转移占有。抵押物的权属是清晰的，是抵押人所有并可以支配的，抵押物的权属不发生变化;同时没有银行的同意，是不可以变卖和出租的，而且抵押物是易于变现的。

④按会计核算的归属划分，表内信贷业务，主要包括贷款、商业汇票贴现等；表外信贷业务，主要包括商业汇票的承兑、保证、信用证等。

(三)常见的信贷业务品种:

1、流动资金贷款:银行向借款人发放的用于正常生产经营周转或临时性资金需要的贷款。

2、固定资产贷款:银行向借款人发放的用于固定资产投资项目的中长期贷款。

3、房地产开发贷款:属于固定资产贷款的一种，银行向借款人发放的用于房屋建造、土地开发过程中所需资金的贷款。

4、个人住房贷款:银行向借款人发放的用于其在辖区内购买、建造各类住房的个人贷款。

5、汽车消费贷款:银行对借款人在特约经销商处购买汽车的个人借款人发放的贷款。

6、其他消费贷款:银行对借款人除住房及汽车外的其他大额消费而发放的个人贷款。

7、银行承兑汇票:指银行作为付款人，根据出票人的申请，承诺在汇票到期日对收款人或持票人无条件支付汇票金额的票据行为。

8、贴现:指银行承兑汇票的持票人将未到期的银行承兑汇票转让与银行，银行按票面金额扣除贴现利息后，将余额付给持票人的一种融资行为。

三、信贷的基本要素

信贷的基本要素总共有七种，分别为:

七大要素包括:

(1)业务对象(贷款对象)

1、公司客户:工商行政管理机关(或主管机关)核准登记的企(事)业法人、其他经济组织。

2、个人客户:包括经工商登记的个体工商户及具有中国国籍、完全民事行为能力的自然人。

(2)金额

银行向客户提供单笔信贷业务或额度授信及额度使用的具体数额，贷款金额要根据借款人的承贷能力、担保条件、贷款用途等综合考虑。

(3)期限

分为短期、中期、长期，个人住房贷款期限的一般不超过30年。

(4)利率

在央行规定区间的基准利率基础上，根据借款人贷款风险、贷款的综合收益、市场资金供给情况、资金筹集成本等因素，实行浮动利率。最低下浮10%，个人住房贷款最低下浮30%。

(5)用途

不同的信贷业务有不同的用途，尤其关注用途是否真实、合法，贷款用途是否在营业执照规定的范围内，是否属于国家严禁或限制的项目，贷款不能流入股票、期货市场及不能进行权益性投资，挪用资金是一种危险的信号。

(6)贷款方式

分为信用贷款、担保贷款

担保是保证借款人还款或履行责任的第二还款来源。担保的方式有保证、抵押、质押等。

(7)还款方式

主要分为以下三种，即等额本息还款法、等额本金还款法、按月付息，到期还本法。

1、等额本息还款法

(1)每月还款金额相同，方便记忆;

(2)前期每月还款少，故还款压力小;

(3)此种还款方式，一般可申请较长的贷款期限(10年甚至更长)，还款压力降低，适合项目周期较长，回款较慢的客户。

2、等额本金还款法

(1)前期每月还款多，总利息支付比较少:

(2)同等额本息还款法，一般可申请较长的贷款期限(10年甚至更长)。

3、按月付息，到期还本法

每月仅需支付利息，不需偿还本金，资金利用率高;较适合资金周期率快，回款周期短的客户

四、信贷业务基本操作流程

信贷管理是一个由诸多环节环环相扣的全流程管理过程，任何一个环节出现问题，都会引发信用风险和操作风险。每个环节的职责都有具体的部门和岗位去落实。

一般来说，可以把信贷业务的操作分为三个部分，即贷前、贷中和贷后三个基本环节。

(一)贷前:贷款受理、贷款调查、贷款审查、贷款审批

1、受理

初步审查申请人的主体资格、用途、各项收入情况(第一还款来源)、保证人或担保物(第二还款来源)是否符合银行的要求。

申请人提供的资料必须提供原件与复印件核对，客户经理核对无误后，在复印件上盖“与原件相符”印章，并签名确认。在受理阶段，借款人可能不会一次性提供所有的资料，客户经理可从申请人的主体资格、银行流水或报表等材料初步判断贷款是否可行。

2、贷前调查

贷前调查实行双人调查制度，客户经理对所调查的内容进行事实认定，并在贷款档案的调查报告中分别签名确认。

调查内容包括借款人的基本情况、经营情况、财务状况以及贷款用途、担保物的产权和变现能力

其中借款人若为公司客户的，主要通过实地考察和对财务报表的分析，判断借款人的偿债能力，并且在分析财务状况时，应根据连续几期的财务数据纵向对比，揭示财务变化趋势，尤其应注意与行业水平进行横向对比，综合反映企业实际经营管理水平。

3、贷款审查

主要对资料、数据进行复核审查，如有必要应实地了解核实，审核的主要内容有:

(1)手续、资料是否齐全;

(2)分析是否正确;

(3)是否符合政策及制度的规定。

4、贷款审批

贷款审批人员对贷款进行审核，并提出最终的意见或决策。根据贷款的风险状况，出具贷款审批意见，审批通过的应全面提出防范风险的意见和措施，并明确贷款的种类、金额、期限、利率、担保方式、还款方式、操作管理要求、法律文书签订等要素。

(二)贷中:签订合同、贷款发放

1、签订合同

客户经理要依据贷款审批意见，审查合同是否填写准确、完整，合同附件是否齐全;合同、借据应用正楷清晰填写借款人名称、用途、金额、期限、利率等要素，填写内容不得涂改，如确实需要涂改的，需要合同各方当事人签章确认。

2、贷款发放

贷款资金监督管理审查借款人提出的书面提款申请资料，确认满足提款条件后将贷款资金发放至借款人专用或指定银行账户。

(三)贷后:贷后检查、贷款到期的处理、贷款档案管理

1、贷后检查

贷后检查，重点要掌握贷款资金的流向，尤其要检查贷款是否被挪用;对未按合同约定使用的，应查明原因并提出处置意见和建议等。

若发现问题应及时预警，按照合同约定采取风险化解措施;风险重大的，立即向上级报告，履行有关审批手续后，采取信贷措施。

2、贷款到期的处理

即到期催收，短期到期前10天、中长期到期前30天以电话、短信或书面等方式联系借款人，督促其到期还款。借款人还清贷款本息后，将抵、质押的权利凭证交还抵、质押人，办理抵、质押移交手续。若是采取分期还款模式，借款人可根据资金情况提前归#发文集龍卡瓜分百万现金#还部分或全部贷款，但需事先征得贷款人的同意